Financial Advisor Duxbury Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®
Begin the Discussion On How You Can Protect and Grow Your Assets
Wealth Management, Financial Planning, Retirement Planning
My Financial Advisor Experience
Out of college, I started in financial services with a small company (United Resources) that specialized in 403(b) plans. They were quickly bought out by MetLife. I worked at MetLife Resources, a division of MetLife specializing in retirement plans and managing client portfolios, for 20 years.
Whom Am I Affiliated With Today?
Ten years ago, I decided I wanted to go independent. I am now affiliated with Cambridge Investment Research Advisors, Inc., a $44B RIA based in Fairfield, IA. I am also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.
How Much Do I Charge?
Most clients pay fee-only or an hourly rate. The size and complexity of the client’s wealth management and financial and retirement planning determine that fee.
Some clients pay a commission, mainly those with smaller accounts, i.e., Roth IRAs, some public-school teachers with 403b retirement accounts or parents or grandparents setting up a 529 college savings plan.
Do We Need to Meet in Person?
(For the time being a phone, Zoom, or email is replacing in-person meetings) Previously, our first introductory and fact-finding (pdf) appointment would be in person or by telephone. The next meeting where I provide my recommendations would be in person.
Subsequent meetings where we monitor your progress and investments can be done in-person, by phone, email, or Zoom, or, more likely, a combination of these meeting types.
My Roots in Boston Area
For the past ten years, I’ve been living in the South End of Boston. I have clients living or working in Boston and the surrounding cities and towns that make up the South Shore.
No cookie-cutter solutions or corporate financial overlords here! Being independent means I have the freedom to choose from all the options available to you and recommend the ones I feel are best suited to your needs, regardless of who’s offering it. Unlike some advisors, the sky is the limit in terms of the ideas, products, and strategies I may bring to your attention.
Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS® Social Security When Should You Start Taking It? Wealth Management, Financial Planning, Retirement PlanningTo try to develop the most effective retirement income strategy for the middle class, Stanford University’s...
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